Ludlum, Marty, Linn Hongell, Christa Tigerstedt, Burle Steelman, and Cenea Reese. “Financial Life Skills of Finnish College Students: A Pilot Study on Credit Cards and Budgets”. Journal of Higher Education Theory and Practice 19, no. 4 (September 2, 2019). Accessed July 5, 2024. https://articlegateway.com/index.php/JHETP/article/view/2202.